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credit union

Combined Employees

Warner Robins, GA · Est. 1969
B
Trust Grade
Strong
Score: 84/100

Combined Employees is a credit union based in Warner Robins, Georgia, established in 1969, with $18 million in total assets serving 2,685 members. By Trust Grade it ranks 56th of 72 credit unions we track in Georgia. Its net worth ratio of 8.4% trails most similarly sized credit unions (7th percentile), versus a Georgia median of 13.3%. It was profitable over the most recent period, with a 0.88% return on assets. No consumer complaints against Combined Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$18.0M
<$100M institution
Members
2,685
Shares & deposits
Net worth ratio
8.4%
Bottom 7% of <$100M peers · Georgia median 13.3%
Return on assets
0.9%
Top 36% of <$100M peers · Georgia median 0.63%
Rank in Georgia
#56
of 72 credit unions

How Combined Employees compares to Georgia peers

Net worth ratio
Bottom 7% of <$100M peers
Combined Employees
8.4%
Georgia median
13.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 36% of <$100M peers
Combined Employees
0.9%
Georgia median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Combined Employees

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
84/100
Customer experience
n/a
Overall
B · 84
  • Well-capitalized (8.4% capital ratio)
  • Profitable (ROA 0.88%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Combined Employees over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Combined Employees insured?

Yes. Combined Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Combined Employees: frequently asked questions

Is Combined Employees a good credit union?

Combined Employees earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (8.4% capital ratio); Profitable (ROA 0.88%).

Is Combined Employees NCUA-insured?

Yes. Combined Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Combined Employees?

Combined Employees holds $18 million in total assets, ranking 56th of 72 credit unions we track in Georgia. It serves 2,685 members.

Does Combined Employees have CFPB complaints?

No CFPB complaints against Combined Employees appear in our data over the analysis window, which is typical for a credit union of this size.

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Northside
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Glynn County Federal Employees
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Rome Kraft Employees
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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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